Geneva State Bank

frequently asked
questions

Card Services

Click on any question to see to the appropriate answer.

Q:	What is the difference between Personal Identification Number (PIN) based and Signature-based transactions?
A:	A PIN-based transaction occurs when you have to enter your 4-digit PIN when you purchase an item. The money typically withdraws from your account the same day. A Signature-based transaction occurs when you have to sign or don’t have to sign a receipt. Signature-based transactions take 1-3 business days to subtract from your account. Both require sufficient funds at time of purchase in order to work.
Q:	How much can I spend with my debit card in one day?
A:	Debit Card purchases cannot exceed $2,500 in a 24-hour period. Limits are designed to protect you and to help eliminate debit card fraud.
Q:	What do I do if I lost or forgot my Personal Identification Number (PIN)?
A:	If you have lost or forgotten your PIN, you will need to go to the nearest branch and request a new PIN. While this may be an inconvenience to you, it is for your protection. Your PIN will be reset by an authorized customer service-rep. Only the cardholder can request the PIN. No one at the bank knows your PIN.
Q:	What if my card is stolen or lost?
A:	If your Debit/ATM Card is stolen or lost you must notify us immediately. Call 1-800-759-3119 during business hours Call 1-800-535-8440 after business hours
Q:	What if a transaction was made without my permission?
A:	If your Debit/ATM Card was used without your permission and you see an unauthorized transaction on your account statement, please call 1-800-759-3119 during normal business hours.
Q:	Why can’t I use a signature-based transaction at some merchants?
A:	A recent court settlement with VISA allows merchants to choose whether to accept Debit VISA (VISA check cards) as a signature-based transaction or not. Be sure to ask the merchant beforehand to avoid any inconvenience.
Q:	Can I change my Personal Identification Number (PIN)?
A:	Yes you can. Come to your local branch and a customer service rep will assist you in changing your number. No one at the bank knows your number. Don’t write your PIN down because someone might be able to steal it and your card.
Q:	What do I do if my VISA credit card has been lost or stolen?
A:	If you believe your VISA has been stolen or lost or a transaction was made without your permission, you must notify us immediately. Call 1-800-883-0131 24 hours a day, 7 days a week
Q:	Card Safety Tips
A:	Sign the back of your card upon receipt Destroy your old ATM/Debit or check card and begin using your new card today. Memorize your Personal Identification Number (PIN) Do Not write it on the back of your card or keep it with you. Never give out your PIN to anyone. If you currently have a Personal Identification Number (PIN), it is still valid with your new card. If you need a PIN provided or wish to change your PIN, please contact your financial institution Safeguard your account number Always obtain merchant receipts and destroy carbons Remember to pick up your ATM receipts before leaving the ATM If you lose your card or if it is stolen, call your financial institution immediately

Geneva State Bank

Home • Privacy • Terms of Use • USA PATRIOT Act Information
Online Banking • Personal Banking • Business Banking
Ambassador Club (55+) • Money Magic Kids Club • Loans
Investment/Trust • Farm Management • Insurance Services
World News For You • DTN • Contact Us • About GSB • Community

Equal Housing Lender

NOTICE: Geneva State Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The Bank is not responsible for the content. Please contact us with any concerns or comments.

©2010 Geneva State Bank. All rights reserved. Website powered by ProfitStars.